Bt probably cut you of for not paying your bills animal lover!!!

what do you want people to do spoon feed you all take responsibility for your anctions. dont sign it, pay it on time or deal with the consequences. Simngle mother or not is irrelevant, no one forced you to take the goods!

Simple You apply for a loan, the high street lenders won't approve you because you are considered high risk you take out an agreement, you sign an agreement it does not matter what the interest rate is or how expensive the insurances are if you dont like it dont sign it. Thats the beauty of living in a free economy people can charge what they like for their services as people can go elsewhere if they wish. if you cant then dont borrow the money, there is no automatic right to have credit. If you have proved untrustworthy enough in the past or had circumstances outside your control meaning you defaulted on payments and were not smart enough to take insurance to cover lifes outcomes and defaulted on agreements with prime lenders then why should a company not charge such a high rate and offer you insurances (by the way on the agreement that you chose to sign it states 'all insurances are optional' how on earth can you say that you had no choice and where mis-sold dont take it in the first place. Furthermore why would you not ensure you understood everything you signed for. Sometimes people will then blame the company by saying that they are taking advantage of vulnerable people. This itself is nonsense. Dont take the agreement out. The majority of customers are not vulnerable they are just bad at paying their accounts and in many cases will attempt to claim on PPI when they have been sacked or quit a job! they will then think that its unfair etc and ask to cancel the insurances as they are 'useless' again absolute nonsense. There is cooling of period with the insurance so again cancel it! People then go on to say I felt initmidated again nonsense. Again I re-iterate WFS BRANCH STAFF DO NOT EARN A COMMISSION ON THE INSURANCE SALES. They do receive a bonus (quarterly) for the teams overall efforts from a new business and arrears level point of view. They have to operate a balance book. If you were naive enough to sign an agreement without checking it then whose fault is it?? I have decided to close down my account I have looked at more and more threads and how people do not take responsibility for their own actions is beyond me every person is over 18 legally classed as an adult I am honestly in bewilderment that some people think that the APR'setc are so unfair DONT SIGN IT.. On the arrears side people are moaning because someone turns up at the door asking for payment. Whats wrong with this?? someone signs an agreement to make a payment every month and then does not do that then they have broken there side of the agreement. Fine if they had the foresight to take out the insurance but if they did not want to and are then looking for WFS to be sympathetic why should they? The customer has only gone to welcome in the first place because they have messed around other lenders previously this is why Welcome have to be incredibly assertive with their customers. I still maintain many of the practices going on in the branch network are untowards and breaking various acts in particular DPA, however I cant read anymore threads blaming other people for their own actions it is driving me mad. IT IS COMPANY POLICY THAT 2 loans cant be given out at the same address but that should never have been explained to the customer as that is a breach of the DPA. They simply should have said that the loan was declined as they do not have to give a reason (or is that unfair!). the reason for this policy is guilty by association and limiting risk. therefore if someone has a brother who has defaulted on an account and having ppayment problems why would they issue a loan to the other brother surely that is risky? or is it everyones right to have credit granted, it would be interesting to see everyones thoughts if it were there own money being lent to mainly council tenants who are continual drain on society and I am convinced that is the case for at least 80% of council tenants. Goodnight

Thank you DIPPLY75! I have forgotten re: the insurances as I left the company around 2.5 years ago. Being new to this world of forums / blogs etc I am struggling to understand the cynicism on here. It does not make any sense for Welcome to do this as I am sure you are aware most large organisations prefer to take the 5th amendment. As for 'political soundbite' I am a fairly simple creature so I have no idea what it means. Hopefully the information below will remove some of the cynics out there who think everyone is watching and out to get them with continual hidden agendas!! and maybe just maybe will believe that I am not some spy playing a game for Welcome If you shout loud enough you will get the result you are looking for. Take note: all of the conversations made into the office are actually recorded remotely in head office therefore should you speak to lets say a branch manager over the phone and make a request not to be called or for information or no-one to turn up at the door take a note of the time/date you spoke to them etc. Quote back to them that you understand that all calls are recorded remotely via nottingham (headoffice) etc and what ever you want done i'm pretty sure they will back down. The company keep this so they have evidence to be able to fire the employee and can show that they (welcome finance) are taking a responsible stance should someone shout loud enough. Again covering there own backsides and somehow managing to pass the buck. In all the time I was with them there was never any communication delivered (in writing) to undertake sly or illegal practices the message topped down however was always do what it takes to hit the numbers again no evidence to blame the company only the frontline employee who has sigend a declaration to not go outside the rules etc. Perhaps i'm not right for these forums, I have not been burnt by the company I just do not like most of their 'real' working practices as opposed to the corporate image. I thought that I would be able to shed some genuine light on the company without emotion as I personally am not on a 'mission' to beat them.

Branch Operations, from Customer Account Manager - Through to branch then Area Manager. I left circa 2 years ago as for who administers the policy I cant remember now, at one point it was norwich union!. The branch teams def do not earn a commission on the insurance sales, They may well do at Welcome Car Finance which is a wholly seperate company. It is then the dealership selling the products as an authorised representative therefore WFS can pay a commission to the dealer for putting the business their way again removing the ownership from the company. how are we doing with your suspicions?

Hi postggj, I understand your suspicions, however I did work for the organisation for 9 years at various levels and on the whole found most of it to be ok, however the people on the frontline are so pressurised into hitting targets they often go outside the rules to hit them. Re: Insurances The staff have to go through weekly training sessions and have to be signed of as competent on the company training for DPA, Admin of Justice Act, CCA, TCF to satisfy the FSA. The company are very hot on this that way should the TCF / FSA rules be broken the company have covered there own back and can say 'Well they have sat through the training and been signed of as competent by there line manager' thus the responsibility falls with the employee and not the company. re: Commissions: They have targets to hit however contrary to popular belief they do not earn a commission on this at all. The whole company ethos is deliver or else hence huge staff turnover and people are often in fear of their jobs if they do not hit targets. I do not know how to start threads?? I would like to be a help to people and give some true advice as I fully understand the lifecycle of consumer debt from cradle to grave so if you can advise how I can do this that would be great

As a former Welcome employee for many years, I can confirm that the agreements are likely to be legal they take great care to make sure everything is above board on the surface. If you signed a Demands and needs statement and the agreement then really you will struggle to get them to remove the PPI. However if they do not have evidence to prove then they must remove it. If anyone has any further questions on the company let me know as I know all about the working practices / and adding chreges to accounts that are not legal etc. If you send a letter to the complaints department recorded delivery you will probably get the PPI removed